Article Per Year (5 Year)
p-Index From 2021 - 2026
0.444
P-Index
This Author published in this journals
All Journal Al-Kharaj: Journal of Islamic Economic and Business Proceeding of International Conference on Humanity Education and Society
Farichah, Ainun
Unknown Affiliation
Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Social Sciences Other

Published : 2 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 2 Documents
Search

 1 
UNSUR KOMPETENSI GURU DALAM KITAB USHUL AT-TARBIYAH WA TA’LIM SEBAGAI DUKUNGAN TERHADAP KEBIJAKAN PENDIDIKAN NASIONAL DI PESANTREN Farichah, Ainun; Hasibullah, Muhamad Umar
International Conference on Humanity Education and Society (ICHES) Vol. 4 No. 1 (2025): The 4th International Conference on Humanity Education and Society (ICHES)
Publisher : FORPIM PTKIS ZONA TAPAL KUDA

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study aims to explore and identify various elements of teacher competence contained in the book Ushul At-Tarbiyah Wa Ta'lim, which is used in the education process in the pesantren environment. These competencies are analysed and compared with the teacher competency standards as stated in the Law of the Republic of Indonesia Number 14 of 2005. This research uses the literature study method with a philosophical approach as the basis for analysis. Law Number 14 of 2005 states that there are four main dimensions in teacher competence, namely pedagogic, personality, professional, and social competence. These four aspects are also found in the book Ushul At-Tarbiyah Wa Ta'lim as fundamental elements in the formation of teacher competence. After being analysed in depth and linked to the context of today's education, the competency content in the book is proven to be relevant and can be used as a reference in developing learning strategies and practices in educational institutions, especially pesantren.
Credit Risk Management Analysis at PNM Mekar, Bumiratu Nuban District, Lampung Regency Farichah, Ainun; Finny Ligery; Ahmad Mukhlishin
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 2 (2026): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v8i2.10051

Abstract

This study aims to analyze the credit risk management strategies implemented by PNM Mekaar in Bumi Ratu Nuban District, Central Lampung Regency, and to examine their relevance to Islamic economic values. The background of this research stems from the high risk of non-performing loans (NPL) in microfinance institutions, which can potentially disrupt institutional stability and the sustainability of community empowerment programs. The study employs a descriptive qualitative approach, with data collected through in-depth interviews with management, field staff, and clients, supported by observation and documentation. The findings indicate that credit risk management strategies at PNM Mekaar are carried out through a group responsibility system, weekly monitoring, business mentoring, and credit restructuring for clients experiencing financial difficulties. These strategies are relatively effective in reducing non-performing loans, although challenges remain, including low financial literacy, limited field facilitators, and external economic factors. From the perspective of Islamic economics, these practices align with the concepts of dhaman jama’i (collective guarantee), hisbah (social oversight), al-amanah (trustworthiness), and the principle of leniency for debtors as prescribed in the Qur’an. The study concludes that credit risk management at PNM Mekaar not only serves to maintain institutional soundness but also reflects the values of justice, solidarity, and the objectives of maqashid sharia in protecting wealth (hifdz al-mal) and enhancing community welfare. These findings are expected to provide practical contributions for PNM Mekaar in strengthening risk mitigation strategies and academic contributions to the literature on credit risk management in microfinance institutions from an Islamic perspective
Co-Authors Ahmad Mukhlishin Finny Ligery Hasibullah, Muhamad Umar